Search found 3529 matches

by rustymutt
Sat Aug 19, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Lawn Experts Help! How to get rid of this weed?
Replies: 17
Views: 1256

Re: Lawn Experts Help! How to get rid of this weed?

Take that weed into your local county extension office. They should be able to answer all your questions.
My guess is a spurge of some variety.
by rustymutt
Sat Aug 19, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 69
Views: 8354

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Angelus359 wrote:
Sat Aug 19, 2017 5:38 am
Is there a fund that exclusively buys nasty evil companies that do crimes against humanity, and then generates shareholder votes towards positive goals?

You don't fix evil by avoiding it. You fix evil by addressing it.

Amen!
by rustymutt
Sat Aug 19, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 69
Views: 8354

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Yeah, I voted my proxies yesterday and received a thank you email for doing so.
by rustymutt
Sat Aug 19, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Do I have a computer virus?
Replies: 11
Views: 1208

Re: Do I have a computer virus?

bb201, that was a valid Windows 10 update, as I also had it, and ran it. They basicly reinstalled the operating system. I then had issues with Java, and took it off and reinstalled it. It fixed the issues that I was having with slow everything. And those popups stating you've got browser updates are...
by rustymutt
Sat Aug 19, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 97
Views: 5727

Re: What is Bitcoin?

I know that 2 of them is twobits, and that's a quarter. lol :sharebeer
by rustymutt
Tue Aug 15, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 43
Views: 3252

Re: T-Mobile promotion for 55+

Am over 55 and pay TM $70 a month just for one phone. I can now have 2 for less. Weird of them. :(
by rustymutt
Sun Aug 06, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: New windows, Anderson 400 series vs. Simonton ProFinish
Replies: 2
Views: 497

Re: New windows, Anderson 400 series vs. Simonton ProFinish

I replaced 37 wood rot (dry) windows with Simonton windows 14 years ago, and while I no longer own that home, they were very good windows, and I'd use them again. We had a west facing 6 x 6 cloud over inside because of a leaking seal, and they have lifetime replacement. It got replaced, and I only p...
by rustymutt
Fri Aug 04, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 333
Views: 36991

Re: Quicken's future direction - a cause for concern

Companies want to get everyone on a subscription for just about everything for obvious reasons ($$$). People have a breaking point though. You might have Amazon Prime, cable tv, internet, cell phone, Netflix, satellite radio, Hulu, online periodicals, Office 365, etc. People are going to pushback a...
by rustymutt
Thu Aug 03, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8160

Re: LED light bulbs

I don't know if this is a good idea but I am happy with going to Lowes or Home Depot and buying their cheapest LED bulbs. They are supposed to last for many years and use very little electricity and so far they have done well. I bought and use a bunch of LED bulbs from Home Depot and have been happ...
by rustymutt
Mon Jul 17, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: Cramer makes the bull case for including bonds in your portfolio
Replies: 23
Views: 3212

Re: Cramer makes the bull case for including bonds in your portfolio

And what Cramer says is reason to buy the ideal? lol he is so funny at his role as stock sensationalist. Gives me a headache to watch. No, just interesting to note that for someone who tries so hard to promote trading stocks that he would actually promote increasing bonds in your portfolio as you a...
by rustymutt
Sun Jul 16, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: Cramer makes the bull case for including bonds in your portfolio
Replies: 23
Views: 3212

Re: Cramer makes the bull case for including bonds in your portfolio

And what Cramer says is reason to buy the ideal? lol he is so funny at his role as stock sensationalist. Gives me a headache to watch.
by rustymutt
Sun Jul 16, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3623

Re: what's your secret to cleaning inside car windows?

Alcohol will remove the film (oils) that most glass cleaners merely dilute. Anyway, I've had good results getting everything off with it. Plus you can drink it while you're cleaning the windows. Have fun.
by rustymutt
Mon May 29, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5944

Re: Credit unions are non-profit, how come they do not dominate over banks???

Credit Unions, also like Vanguard, are owned by the people they serve, you, and I. By law they must put the profits back into the business minus expenses of operation. So if well managed, they can provide excellent service for the lowest of price. Or if ran sloppy, they can produce a boatload of mis...
by rustymutt
Fri May 19, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3542

Re: What are the powers of HR in a company?

The last thing I remember the HR lady telling me after she'd hire me. "If you're half the worker your father was, then we've made a great investment". Thus I became a commodity for the company, or a company man. Just like my dear late father did. But he worked 17 years longer than I had t...
by rustymutt
Fri May 19, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones vs Vanguard self managed
Replies: 29
Views: 2403

Re: Edward Jones vs Vanguard self managed

You could hire some of the best of professional money managing companies in the world for under 1%. They are robbers of your wealth. You're more than welcome to stay with them, as they love your money. Do It yourself man. It's easy once setup. My expenses yearly, under .19% 10 year return of 7.7%. W...
by rustymutt
Fri May 19, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3542

Re: What are the powers of HR in a company?

The last thing I remember the HR lady telling me after she'd hire me. "If you're half the worker your father was, then we've made a great investment". Thus I became a commodity for the company, or a company man. Just like my dear late father did. But he worked 17 years longer than I had to...
by rustymutt
Fri May 19, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 3515

Re: REITs: Count as Stocks or Bonds?

Vanguard's REIT ETF (VNQ) was worth $63.09 on September 19, 2008. On March 6, 2009, it was worth $21.15. That's a decrease of 66.48%. The only similarity to bonds is that they generate income. They are a completely different product and they are not a safe investment like bonds. They move in two di...
by rustymutt
Fri May 19, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 3515

Re: REITs: Count as Stocks or Bonds?

Vanguard's REIT ETF (VNQ) was worth $63.09 on September 19, 2008. On March 6, 2009, it was worth $21.15. That's a decrease of 66.48%. The only similarity to bonds is that they generate income. They are a completely different product and they are not a safe investment like bonds. They move in two di...
by rustymutt
Fri May 19, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 3515

Re: REITs: Count as Stocks or Bonds?

They are stocks, equities. Calling a Reit a bond would be like calling a CD a stock.
by rustymutt
Thu May 18, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Justification for holding Emerging Markets?
Replies: 67
Views: 3627

Re: Justification for holding Emerging Markets?

I don't have a large amount of emerging markets in my portfolio and I am beginning to question why I have any, especially since I have no real conviction about it and for the most part appreciate portfolio simplicity. What is the justification for having emerging markets? In reality I am not big on...
by rustymutt
Thu May 18, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Justification for holding Emerging Markets?
Replies: 67
Views: 3627

Re: Justification for holding Emerging Markets?

Because my written investment plan calls for it. The current year return for that asset class for me is over 16%, which makes my portfolio year to date value way better. I'm invested in small value in this market. EWX for the record. :moneybag
by rustymutt
Sat May 13, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 182
Views: 27652

Re: When 60/40 just isn't appropriate

As the holder of a 60/40 allocation of equities/bonds, I did this way for the amount of risk I was willing, and able to accept. I'm a long term buy and holder of funds/etfs. My 10 year return is just under 7.7%. Is it working for me? Yes. Will it work right in the future? Who knows? I don't, and you...
by rustymutt
Fri May 05, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Incentivising Kids
Replies: 22
Views: 1600

Re: Incentivising Kids

Life is about more than money. Particularly at 2 & 5. Let them be kids. There will be plenty of time, chances, and routes for financial education later. I don't believe instilling values in young children minds constitutes any major problems, but not teaching your kids about money means you don...
by rustymutt
Fri May 05, 2017 9:32 am
Forum: Investing - Theory, News & General
Topic: Morgan Stanley drops Vanguard funds
Replies: 26
Views: 7753

Re: Morgan Stanley drops Vanguard funds

Glad not to be part of Morgan Stanley's investment porn. Makes me feel sorry for those clients with them. It's proof that fiduciary standards aren't welcome, when it comes to profit for brokerage houses. Shame them.
by rustymutt
Fri May 05, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Leave after-tax money in retirement account or xfer to Vanguard?
Replies: 3
Views: 293

Re: Leave after-tax money in retirement account or xfer to Vanguard?

Simply roll over the taxed retirement savings to a Vanguard Roth IRA. Call Vanguard rep for details on how to get that started. It's then a low cost investment, that grows tax free.
by rustymutt
Fri May 05, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Scholarshare California 529 plan not paying dividends
Replies: 6
Views: 548

Re: Scholarshare California 529 plan not paying dividends

They model their portfolio after growth funds, rather than dividend paying funds. That's my first thought. I didn't like the 529 choices in my state, and opted not to go that route.
by rustymutt
Thu May 04, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: Increasing correlation between US and international equities
Replies: 66
Views: 4811

Re: Increasing correlation between US and international equities

AlohaJoe wrote:No, it doesn't change anything. Yes, diversification is still a thing.

“Rising correlations & international investing” https://medium.com/@justusjp/rising-cor ... 4aba5ef4a8


Joe's got it right with the diversification role in are portfolio. That's the main reason to hold them. Has worked in mine.
by rustymutt
Thu May 04, 2017 6:05 pm
Forum: Investing - Theory, News & General
Topic: Morningstar article--Service Complaints Aside, Investors See Value at Vanguard
Replies: 10
Views: 962

Re: Vanguard Servicing

As I've stated in other post here, Vanguard's growth surprised some managers who didn't get their customer service numbers right. Playing catch up with training of new quality reps. Over working all reps I'm sure. This is a small price to pay for the growth that Vanguard funds, ETFs receive. Growth ...
by rustymutt
Thu May 04, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 41
Views: 3308

Re: Consumer Reports

lthenderson wrote:I used to get Consumer Reports back in the day but don't anymore. I think it is largely irrelevant as all the information can be found online for free these days.


Me thinks he's right.
by rustymutt
Wed May 03, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 28061

Re: Where to Live on $60K or Less a Year?

Love this thread. I find myself asking many of the same questions. I concur with many others on here that spending time in a few of these places would probably be best. I currently live in Scottsdale and there have been numerous mentions, so I'll give my $.02 as a Midwesterner who came out this way...
by rustymutt
Wed May 03, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 28061

Re: Where to Live on $60K or Less a Year?

What about a more affordable suburb of some of those places on your list? Take Longmont, CO, for example (which I only know of thanks to Mr. Money Mustache... who claims to live off a lot less than $60K, incidentally). You get the same weather and nearby mountains as Boulder or Denver, plus a simil...
by rustymutt
Sat Apr 29, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 13148

Re: Microsoft, I want my computer back!

I wouldn't be to quick about blaming MS. Many apps on today's computers can and do grab the PC and off they go. First of all check your back up schedule and make sure it's not during your peak time of usage. Check that you anti virus isn't in the middle of an intense scan. And do administrative tool...
by rustymutt
Sat Apr 29, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Does Portfolio Size Influence Stock/Bond Allocation?
Replies: 43
Views: 4724

Re: Does Portfolio Size Influence Stock/Bond Allocation?

It's the balance between ability to take risk and need to take risk - you may have more ability but you have less need. The real answer is at a certain point it doesn't really matter - you will be fine either way. This is the perfect answer. If you're getting it right, it doesn't matter. Work, save...
by rustymutt
Fri Apr 21, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Strange cable wall jack in home. What is it? (pics included)
Replies: 18
Views: 3773

Re: Strange cable wall jack in home. What is it? (pics included)

It appears to be some sort of antenna. Perhaps a short wave radio system in place at one time. So they could listen into hockey games back home in the USSR. lol Looks like surge protection, without a ground run to it. Or maybe a whole house paging system. A impedance device.
by rustymutt
Thu Apr 20, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 40002

Re: Larry Swedroe says "Goodby."

Larry is one of the good guys. Goodby Larry, and good luck with your family duties. Thank you Larry for all your free wonderful wisdom and insight for those of us otherwise blind to numbers. Best wishes! :sharebeer
by rustymutt
Mon Apr 17, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 7001

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

Ignore all the investment porn slashing around out here. LOL Learn for yourself, and you'll understand how investing works. A low cost fund that is balanced with bonds, and equities.
by rustymutt
Mon Apr 17, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 7001

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

Find a balanced fund at Vanguard, or Fidelity that in that 75/25 range and place inside that fund, or ETF. I use VBIAX which is 60/40. Keeps your cost low and that does it. Cost is ER without any front end loads.
by rustymutt
Mon Apr 17, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: New HVAC - Assessing Quotes? - Update, New Info
Replies: 40
Views: 3914

Re: New HVAC - Assessing Quotes?

Kind of surprising to me that 80% efficiency furnaces would be allowed in an "environmentally friendly" area. My most recent furnace replacement was a 3.5T single stage 95% Trane unit for something like $3500 about 6 years ago. I was think the same thing. 80% technology is old stuff. Not ...
by rustymutt
Tue Apr 04, 2017 8:38 am
Forum: Investing - Theory, News & General
Topic: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash
Replies: 33
Views: 4626

Re: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash

It would be fascinating to understand what is at the root of this stumble in customer service. Was it caused when they began "upgrading" accounts to brokerage accounts? Is the trading volume for ETFs and the attendant questions/phone calls too much to handle? Are the full-service brokerag...
by rustymutt
Sun Apr 02, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Best Bond Suggestion (rising inflation): VG Advisor or Merriman?
Replies: 24
Views: 1482

Re: Best Bond Suggestion (rising inflation): VG Advisor or Merriman?

7% holding with long bonds is to much risk for me. Interest rates, like inflation is going up. I don't time markets, but if I did, my guess would be higher interest rates driving down bonds with longer durations, while paying out higher returns. So when that happens, long money, drops in par value. ...
by rustymutt
Sun Apr 02, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash
Replies: 33
Views: 4626

Re: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash

Yes, I've experienced the delays, and waiting with automated attendants. But they are very well behaved auto attendants. In time they'll catch up to demand they've created, but weren't ready for I spose. And when I'm patient, they have come through.

:sharebeer
by rustymutt
Tue Mar 14, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2955

Re: Finding The "Sweet Spot" on a Roth Conversion

This doesn't have to be a trial and error exercise. Load up a spreadsheet with all your income and exemptions/deductions. That'll show you your taxable income. Then, subtract your taxable income from the top of the 15% bracket to determine how much you can convert. Or, how much you need to re-chara...
by rustymutt
Sat Mar 11, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 7504

Re: 28yo, New Millionaire, Advice on Wealth Management

Seaside, I decided to manage my own wealth, and it's not at all hard once you find out the truth about investing, and learn to ignore the noise that's everywhere. It's actually very boring, but also extremely essential for my peace of mind. I slice and dice different pieces of funds, and ETFs. With ...
by rustymutt
Sat Mar 04, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 4432

Re: Giving my lawn the TLC it needs

Not sure what kind of grass you have, but I'm guessing fescue grass. I don't like the commercial guys mowing my bermudagrass, because they bring into my yard weed seeds from the other yards they mow. They won't clean off mowers between that great yard, and bad ones. I also don't use the high nitroge...
by rustymutt
Tue Feb 14, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 5821

Re: Insane Bloodwork Cost (Quest Diagnostic)

The cost is not surprising, especially if she ran initial and not just maintenance tests, but you should be able to negotiate it down, that's what the insurance companies do. It's a racket. My recent thyroid (maintenance) tests: TSH $146 Insurance allowed and covered $48.05 T4 $146 Insurance allowe...
by rustymutt
Tue Feb 14, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 5821

Re: Insane Bloodwork Cost (Quest Diagnostic)

Many times in the past the doctor I was using was network, but the lab they sent the blood samples to wasn't. I decided that must be left up to me to call in advance, to make sure they are in network. Sure could be made lots simpler.
by rustymutt
Wed Jan 11, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 3741

Re: Anyone else having trouble with unrequested CVS auto-refills?

I suddenly started getting phone-stalked by CVS asking me for refills, auto-refills, calling my doctor for refills, you name it. I thought it was just me, but I see they have a problem. I'll try to cancel my auto-fill service. I find it confusing when prescriptions magically appear for no reason. I...
by rustymutt
Wed Jan 11, 2017 7:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 21208

Re: Sad News About a Respected Forum Member

Lost both my father, and grandad to leukemia. My heart goes out to his family and friends.